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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,724 | $77,817-74.7% | $123,553-84.0% | $64,173-69.3% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -7.43% | 12.49%-19.9pp | 119.21%-126.6pp | 7.63%-15.1pp |
| Employer contribution / active EE | $2,031 | $3,014-32.6% | $4,628-56.1% | $2,381-14.7% |
| Participant deferral / active EE | $4,295 | $5,240-18.0% | $6,426-33.2% | $3,470+23.8% |
| Admin fee / account holder | $775 | $5,519-86.0% | $9,284-91.7% | $4,887-84.1% |